Cigale Financial Services LLC

The firm provides asset management, financial planning and consulting, and outsourced chief investment officer (OCIO) services, with a focus on serving nonprofit organizations and individual clients through pooled or institutional-style mandates. Services include ongoing portfolio management across a range of public securities and development of investment policies, as well as one-time or project-based financial planning deliverables.

Its investment process combines fundamental security analysis with modern portfolio theory and emphasizes long-term and passive strategies, diversification, and periodic rebalancing. For institutional clients the firm offers OCIO-style functions — including asset allocation, liquidity and risk monitoring, and policy implementation — and can manage accounts on a discretionary basis when authorized.

Compared with many investment-manager peers, the firm supplements percentage-of-assets fees with hourly and fixed-fee planning options and the ability to waive planning fees when clients engage asset management, a practice that is relatively uncommon for this firm type. The firm is newly formed and currently reports no assets under management, and its principal maintains a full-time finance role at a nonprofit institution while providing advisory services outside those primary employment hours, which may affect capacity and availability.